Date Received: 2023-12-27
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Ladies/ Gentlemen, We were shocked when we received our XX/XX/XXXX Mortgage statement that showed an increase of our monthly Escrow contribution of {$350.00} per month. We requested that PNC bank close our escrow account and they responded with a consent form that demands {$830.00} as a closure fee. We never signed any documents with PNC as we originated this Loan through XXXX XXXX XXXX. XXXX gave the Servicing of the Mortgage to PNC in XXXX, XXXX. In our letter of XX/XX/XXXX to PNC, we requested that PNC explain the fee demand and also notified them that they owe us a refund for {$920.00} for the monthly tax contributions of {$180.00} for the months of XXXX through XX/XX/XXXX. The taxes for the year XXXX were paid in full as of XX/XX/XXXX. ( They also owe us for the monthly Insurance contribution ) We enclosed the Townships Tax statement for XXXX XXXX XXXX along with their own PNC Annual Escrow Account Disclosure Statement dated XX/XX/XXXXXXXX as proof that they in fact owe us these funds. The letter also requested that they explain these discrepancies so that we could execute the Escrow Account Closure Consent form in Good Faith. Their letter dated XX/XX/XXXX does not address our request for clarification nor acknowledges the refund due to us. The letter once again demands the closure fee of {$830.00} and states that they do not accept On Account Payments. We paid the XX/XX/XXXXXXXX Mortgage Invoice at their branch office with a check that showed the separate Principal and Interest dollar amount in the advice section. ( All Documentation and pertinent copies are readily available for your convenience, in case of technical difficulties ). We Thank You very much for your assistance regarding this matter as this has caused us a lot of stress during the Holiday Season. Sincerely,
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: PNC/XXXX dept will not refund my XXXX $ where I was scammed on XXXX and they will not treat it as a chargeback for item not received. ON XX/XX/XXXX I thought I was talking to a friend of a friend via XXXX XXXX to purchase a mixer. She asked for a deposit as she was selling multiple items. Her name was XXXX XXXX XXXX. XXXX has already flagged it as fraud, XXXX has too and so has XXXX ; however, twice PNC has denied my request to do a chargeback to get my XXXX $ back since this scammer pretended to be someone else and hacked their account- whom I did know as a friend. I thought I was sending money to that friend but her account was hacked. They then sent me a fake address to pick it up then a fake text saying they refunded me so I would not pursue more action. PNC did not reach out to me like I asked to gather all the proof I have showing I paid for something I did not receive. they are just treating it like a typical XXXX transfer that I authorized. I did authorize this to XXXX XXXX and not the person who hacked her account. I also did not receive the goods I paid for which should fall under a chargeback. I am most frustrated that they have not asked for or allowed me to share all the proof I have from the scammers admitting they scammed me which should at least be proof to give me a refund. The PNC XXXX customer agent said they don't refund because I authorized it. However, this particular scam should fall under a chargeback for item not received and paid for like any credit card merchant that they would honor.
Company Response:
State: OH
Zip: 45373
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear Sir/Madam, Subject : Formal Complaint Regarding Frozen Bank Account at PNC Bank I am writing to lodge a formal complaint regarding an issue with my account at PNC Bank . My 3 accounts XXXX XXXX XXXX XXXX XXXX have been frozen without a clear explanation, leaving me unable to access my funds. This situation has caused significant financial distress and inconvenience. Please find below the details of my situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Incident Description : My account was frozen on XXXX XXXX, 2023. I was not provided with any prior notification or a specific reason for this action. 3. Attempts to Resolve with the Bank : Following the discovery of the freeze, I visited my local PNC Bank branch on the XXXX to inquire about the issue. The staff provided only my account statements and transaction history, without any clear explanation for the freeze or guidance on resolving it. They informed me that they are unsure about the duration of these processes, and the only thing I can do is wait for an update. 4. Personal Impact : The inability to access my funds has hindered my ability to conduct daily transactions and address urgent financial obligations, causing undue hardship. I understand that banks may need to freeze accounts for various reasons, including fraud prevention. However, I believe as a responsible account holder, I am entitled to transparent information and fair treatment regarding my financial status. Sincerely, XXXX
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: in XX/XX/2023, In addition to placing a call to PNC Credit Cards I visited a PNC Branch and the branch representative placed a called to PNC Credit Cards in hopes of assisting me with resolving the card. The last payment I made to the PNC Points Card ( XXXX ) was on XX/XX/2023 in the amount of {$71.00}. I did not make the XXXX payment on time and accrued a late payment ( {$27.00} ) and interest. I called PNC Customer Service in the beginning of XXXX and researched hardship options provided. I was reimbursed the late fee of {$27.00} charged for the month of XXXX as a courtesy and provided several hardship assistance options by phone and was encouraged to review the online options provided. I did not move forward with the hardhip assistance options provided by phone or online. I chose to cash out {$170.00} from the PNC Points Card ( XXXX ) Rewards and of the options provided on the PNC site, have the cash-out reward deposited to my checking or savings, I chose to have the reward money deposited in my checking account XXXX. The money was not deposited in the checking account and was applied as a balance reduction to the credit card on XX/XX/2023. The amount was not applied as a payment on the PNC Points Card ( XXXX ) and continued to reflect as late for the month of XXXX and XXXX. I made PNC Credit Card services aware the money should have deposited in the checking and not applied to reduce the balance however they were unable to acknowledge the error and/or deposit the rewards cash out balance of {$170.00} in my checking account ( XXXX ) I intended to use to make several payment to the credit card. I visited the branch representative and they were able to assist me in contacting XXXX Credit Card services on my behalf and confirmed reversal of the application of the rewards would not be possible. I acknowledged I would be unable to make payment on the Credit Card. In XXXX, I then closed my PNC Checking account ( XXXX ) and PNC Savings account XXXX. PNC Credit Card services did not close my credit card account until the week of XX/XX/2023, my last visit to the branch where the representative called PNC Credit Card Services and confirmed hey had closed the account with a balance on it. I was charged a late fee in XXXX, XXXX, and XXXX of {$38.00}, I am still not certain why the fee increased from the traditionally charged {$27.00}. I was charged a late fee, again, on XX/XX/XXXX and XX/XX/XXXX of 2023 after I had confirmed the card was closed by PNC Credit Card services. The PNC Points Cash-Out Rewards balance of {$170.00} was not appllied to the correct account.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: A judge has given PNC Bank a foreclosure summary judgment against my property for not making alleged payments. PNC bank is not the original lender. I closed on the property XXXX and was not told that my application was the payment, nor told that the my application was made a negotiable instrument and securitized. I have provided documentation that fraud took place during the closing transaction. PNC & BBVA USA bank merged in and did not tell me that BBVA USA sold its interest, and failed to file the XXXX XXXX XXXX in the property records which concealed their unlawful actions and continued to accept payments from me out of pocket. I have provided a XXXX XXXX that shows that my property has been paid for. I was fraudulently induced to sign the XXXX XXXX XXXX when I never received a loan. The bank did not perform, there was not meeting of the minds, the bank does not have any standing because it is not the original " lender '', and the bank was not entitled to receive a XXXX XXXX XXXX XXXX XXXX because my XXXX was the security collateral. Additionally, XXXX lots were omitted from the legal description of the property and sold to other people. PNC Bank XXXX XXXX has securitized my XXXX XXXX XXXX XXXX ( possibly the deed as well ) and failed to disclose that to me. I have sent a XXXX XXXX XXXXXXXX to PNC attorney on XX/XX/XXXX. I have filed an appeal of the XXXX to the District Court of Appeals and that is being processed by the Clerk of the Court. I have filed a mail fraud against PNC with the Postal Inspector, I mailed form XXXX to the Internal Revenue Service, and now I am filing this complaint with CFPB. I will also file a complaint with the Securities Exchange Commission for Securities fraud, because PNC Is a Securitizer. PNC has violated my privacy rights, violated the Fair Department Collections practices act. ( FDCPA ), by unlawfully attempting to collect debt.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Getting the loan
Subissue:
Consumer Complaint: I am being discriminated against by this bank. I have a perfect credit record with a high credit score. I have a credit card with this bank, and always paid off the amount ever month. The first thing the bank done to me was deny me a raise in my credit limit with no reason given. Then I applied for a personal loan for {$5500.00}. After asking me all sorts of personal questions like if I am retired, my age and how long I owned my home. Then without any reason they again denied me my loan. I been a member of this bank for about 5 years. I asked another bank and they told me I am eligible for this loan. The only reason I claim that I was denied was because of my age, and that I am on social security payments. My payments go to this bank as well.
Company Response:
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: in XX/XX/2023, In addition to placing a call to PNC Credit Cards I visited a PNC Branch and the branch representative placed a called to PNC Credit Cards in hopes of assisting me with resolving the card. The last payment I made to the PNC Points Card ( XXXX ) was on XX/XX/2023 in the amount of {$71.00}. I did not make the XXXX payment on time and accrued a late payment ( {$27.00} ) and interest. I called PNC Customer Service in the beginning of XXXX and researched hardship options provided. I was reimbursed the late fee of {$27.00} charged for the month of XXXX as a courtesy and provided several hardship assistance options by phone and was encouraged to review the online options provided. I did not move forward with the hardhip assistance options provided by phone or online. I chose to cash out {$170.00} from the PNC Points Card ( XXXX ) Rewards and of the options provided on the PNC site, have the cash-out reward deposited to my checking or savings, I chose to have the reward money deposited in my checking account XXXX. The money was not deposited in the checking account and was applied as a balance reduction to the credit card on XX/XX/2023. The amount was not applied as a payment on the PNC Points Card ( XXXX ) and continued to reflect as late for the month of XXXX and XXXX. I made PNC Credit Card services aware the money should have deposited in the checking and not applied to reduce the balance however they were unable to acknowledge the error and/or deposit the rewards cash out balance of {$170.00} in my checking account ( XXXX ) I intended to use to make several payment to the credit card. I visited the branch representative and they were able to assist me in contacting PNC Credit Card services on my behalf and confirmed reversal of the application of the rewards would not be possible. I acknowledged I would be unable to make payment on the Credit Card. In XXXX, I then closed my PNC Checking account ( XXXX ) and PNC Savings account XXXX. PNC Credit Card services did not close my credit card account until the week of XX/XX/2023, my last visit to the branch where the representative called PNC Credit Card Services and confirmed hey had closed the account with a balance on it. I was charged a late fee in XXXX, XXXX, and XXXX of {$38.00}, I am still not certain why the fee increased from the traditionally charged {$27.00}. I was charged a {$38.00} late fee, again, on XX/XX/XXXX and XX/XX/XXXX of 2023 after I had confirmed the card was closed by PNC Credit Card services.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). PART 1016- PRIVACY OF CONSUMER FINACIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 - Purpose and scope. 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. 12 CFR 1016.4 - Initial privacy notice to consumers required. 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term StXXXX means any State or territory of the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). 15 U.S. Code 6804 - Rulemaking ( a ) Regulatory authority ( 1 ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ] ), except that the Bureau of Consumer Financial Protection shall not have authority to prescribe regulations with respect to the standards under section 6801 of this title. ( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b2 of title 7. ( C ) Federal Trade Commission authority Notwithstanding the authority of the Bureau of Consumer Financial Protection under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ]. ( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter. ( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of State insurance authorities designated by the National Association of Insurance Commissioners, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies. ( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title 5. ( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. ( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ). ( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12. ( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12. Per 12 CFR 1022.3 - Definitions.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Try to stop the unauthorized XXXX payments made by my XXXX XXXX XXXX, Bill Pay arrangement - was made by PNC Bank - to deliver my monthly fee payment of {$370.00} and semi- annual {$500.00} " Special Assessment '' payment on XXXX, XXXX, and XX/XX/XXXX ; respectively. For 2024, the payments would be {$400.00} monthly and {$1200.00} annually. My XXXX XXXX kept claiming " STOP PAYMENT '' and " REMINDER NOTICE & LATE NOTICE '', sending statements of penalties for a total of {$210.00} of which {$85.00} for non-authorized service, and {$120.00} for late payment by PNC Bank. By initiating the Bill-Pay arrangement, first of each month for the monthly payments, and first of XXXX and XXXX was instructed as scheduled dates of remittance. Due to the observed breach of those date I was forced to make an alternative date ~7-10 days earlier to ensure delivery on time and to avoid delay. Still that hasn't worked for PNC Bank. Hence, I find the PNC Bank is responsible to pay for these penalties ( {$120.00} ) -which they refused commenting that say its quote " Resolved, '' meaning that the consumer has to pay it. I find that to be unjustified.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had an account with PNC. Back in XXXX XX/XX/XXXX PNC charged off {$340.00}. Stating they had closed my account. Making my account XXXX. On XX/XX/XXXX they reopened my account to reverse provisional credits that were issued in XXXX. Then making my account negative {$760.00}. Then then charged off the {$760.00} on XX/XX/XXXX making my account XXXX balance. Who has then stated and I have documentation the account is CLOSED. They sold the debt to a third party who has been contacting me saying I owe them over {$1000.00}. I also have the company I disputed with that I originally received the provisional credits for saying I owe them the money for the credits which I never received and were reversed from PNC. Fast forward to XX/XX/XXXX. I transferred a XXXX XXXX deposit to my bank which at the time was changed. I believed it was going to my debit card as all my other XXXX XXXX deposits do. It was accidentally sent to PNC. Keep in mind this account has been closed since XXXX and I still have the debt collectors whom PNC sold the debt to still contacting me. I notified PNC who at first said they would send it back. After a week goes by I call them back and they stated I owed them money and they are keeping it. The account is closed. No deposits should be going through. I asked for updating documents stating they received this amount and reflecting from the new debt collector, I received nothing. I told them they sold the debt that it is my money and needs to be returned, I received nothing. I only received a copy of statements reflecting a XXXX balance and charged off made back in XXXX. I contacted XXXX about this. Heard from PNC in an email and by phone. I asked that all correspondence be put in writing to me as I dont want anything done over the phone. I want it all documented. I asked for my money back Im told theyre trying to figure out a way to put it in an email because they continuously tried to call me to explain to me I guess the situation, so its weird. They wont send me an email what they want to tell me on the phone, Im unable to even log into this account because its close XXXX XXXX will not do anything about it and theyre keeping my XXXX dollars. What they are doing is illegal its not right if you close my account and you sold the debt, nothing shouldve gone in that account. My taxes didnt even go in that account. The account is closed. I tried to withdraw the money from the PNC account to my new bank account. It said it was closed, somebody needs to help me because this is a scam and its not right. I now have two collection agencies contacting me for the same thing someones not communicating with somebody and theyre stealing money please help.
Company Response:
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A